For SBA lenders
Short answer
For FY2026, loans between $150,001 and $700,000 have an upfront guaranty fee of 3.0% of the guaranteed portion, paid by the lender to SBA.
SBA sets different upfront guaranty fee tiers based on the loan amount. For loans over $150,000 up to $700,000, the fee for FY2026 is 3.0% of the guaranteed portion. This fee is paid by the lender to the SBA, often passed through to the borrower, and is distinct from the ongoing annual service fee.
A lender approves a $500,000 7(a) loan with a 75% SBA guaranty. The guaranteed portion is $375,000. For FY2026, the upfront guaranty fee would be 3.0% of $375,000, which is $11,250.
7(a) Fees Effective During Fiscal Year 2026
SBA 7(a) Loan Guaranty Fee Calculator
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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